Protect Your Roof This Winter

Prevent Ice Dams & Snow Damage During Thaw

Winter’s beauty is undeniable, but it brings risks to your roof, from accumulated snow to ice dams. These winter elements can lead to serious damage if not addressed promptly. Let’s break down the risks, how to spot potential issues, and how you can protect your roof during the thawing process.

How Snow and Ice Can Stress Your Roof

The weight of snow and ice can cause structural stress on your roofing materials. Look for visible signs such as sagging areas, bowed sections, or unusual depressions. Examine the edges of your roof for potential vulnerabilities. Reinforce weak points by consulting with a roofing professional. Consider redistributing snow load or implementing temporary supports to alleviate stress. Reinforcement measures may involve bracing, especially in areas prone to heavy snowfall. 

Common Signs of Roof Damage to Look For

Interior Warning Signs

Spotting interior warning signs is crucial. Leaks, water stains, or mold growth indicate potential roof damage. Pinpoint the source of leaks promptly to prevent further structural compromise. Investigate attic spaces for any signs of water infiltration, allowing for early detection and timely intervention. This proactive approach can mitigate potential damage from escalating. 

Exterior Inspection Tips

Performing an exterior inspection is equally important. Check for missing or damaged shingles, cracks in the roofing material, and compromised flashings. Inspect chimneys, vents, and gutters for signs of damage. Pay attention to the condition of the soffits and fascia. By routinely assessing your property’s exterior, you actively contribute to its long-term structural health. Document findings for future reference and maintenance planning.

How to Prevent Roof Damage During the Thaw

Proactive snow and ice removal can be the key factor in your roof’s ability to withstand any melting complications. Use safe removal techniques to prevent further damage, such as the following:

1. Use a Roof Rake

A roof rake is a long-handled tool designed for removing snow from the roof while standing on the ground. Gently pull the snow down the roof slope without damaging shingles or roofing materials. Avoid climbing onto the roof, especially during icy conditions. 

2. Avoid Metal Tools

Refrain from using metal tools like shovels, as they can cause damage to the roof surface and lead to scratches or punctures. 

3. Apply Safe De-icing Agents

Apply roof-friendly de-icing agents to help melt ice dams. Take care to choose products that are safe for roofing materials and won’t cause corrosion.

4. Warm Water Application

In certain situations, carefully pour warm water on ice-prone areas to facilitate melting. Avoid using hot water, as it can refreeze quickly and create additional issues leading to potential roof damage. 

5. Consider Professional Snow Removal

Consider hiring professional snow removal services with experience in safe practices. Professionals use specialized equipment and techniques to minimize the risk of damage with snow and ice removal. 

How to Prevent Ice Dams

Consider installing ice shields or heating cables along the roof edge to prevent the formation of ice dams. Proper insulation and ventilation in the attic can also contribute to minimizing ice dams. 

When to Consult a Professional

As winter turns to spring, it’s important to stay vigilant about your roof’s health. If you notice any warning signs or suspect your roof may be damaged, it’s time to consult a roofing professional. A timely inspection can save you from costly repairs down the line. 

Premier Claims offers guidance on assessing any damage to your roof after a winter storm. From insurance claims to restoration assistance, trust our team to guide you through your claims process.

 If you suspect your roof has been damaged after the recent winter storms, reach out today!

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Post-Winter Storm Flooding

Essential Tips for Residential & Commercial Properties

As temperatures rise and winter storms subside, melting snow and ice can lead to potential flooding. For property owners and commercial property managers alike, understanding flood risks and taking proactive measures is essential. There is no time to waste; take actionable steps to prepare, manage, and recover from the looming threat of flooding after the recent winter storms. 

Preparing for Potential flooding 

Assessing Vulnerabilities

Evaluate your property for areas prone to flooding. Check low-lying spots, drainage systems, and structural elements that may be affected by rising water. Regular assessments help identify risks early.

Snow and Ice Removal

Timely removal of snow and ice is important to prevent water accumulation. Keep pathways, drains, and parking lots clear to ensure proper water flow. For commercial properties, consider specialized equipment to handle larger areas.

Structural Integrity Checks

Inspect your property’s foundation, walls, and roofing for potential weaknesses. Removing ice dams is critical to avoid water infiltration during the thaw. Allow for your roof to be free of ice dams, which can lead to water infiltration during the thaw. Learn more about ice dams in our blog: Protect Your Property from Ice Dams

Landscaping Adaptations

Adjust your landscaping to improve water drainage. Homeowners can focus on grading solutions, while commercial properties may need more advanced water management strategies to redirect flow away from buildings.

Emergency Planning

Develop a clear emergency plan that includes:

For commercial properties, ensure evacuation routes and protocols are in place to protect both employees and visitors.

What to Do During a Flood

Protecting Assets

Safeguard valuable equipment and important documents by elevating them above potential flood levels. Early action can reduce damage and support a smoother recovery process.

Managing Water Intrusion

Implement water management strategies, such as installing barriers or redirecting water away from critical areas. Elevate belongings when possible to limit exposure to floodwater.

Appliance Precautions

Protect electrical appliances by elevating them or placing them on stable platforms. Disconnect devices as needed to reduce the risk of electrical hazards during a flood.

Maintaining Communication

Ensure your communication systems remain operational by having backup power and redundant channels. This helps keep everyone informed during an emergency.

Post-Flood Recovery Tips

Documenting Damage

After a flood, document all damage with photographs and videos. Accurate records are essential for insurance claims and repair assessments.

Contacting Professionals

Contact cleanup and restoration professionals promptly. Premier Claims offers support through the insurance claims process and can assist in coordinating repairs.

Navigating Insurance Claims Post Winter Storms

Review your insurance policy carefully. Flood damage may not be covered under standard policies, so separate flood insurance is often necessary. Premier Claims can help clarify policy details and guide you through the claims process. Submit your insurance policy for review today!

Being prepared for flooding after winter storms is essential for protecting your property. By assessing risks, managing water flow effectively, and planning for recovery, you can minimize damage and ensure a smoother post-flood recovery. For additional assistance and expert guidance, contact Premier Claims.

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Prevent Frozen Pipes and Protect Your Property This Winter

Don’t Let Winter Burst Your Bubble

Winter is back with a vengeance. From unexpected cold snaps in the South to relentless blizzards in the Midwest. This winter season has brought storms, The Guardian has deemed “Once in a Lifetime.” It’s not just an inconvenience—it’s a fast track to water damage, wrecked belongings, and costly repairs.

You don’t have to wait for disaster to strike. Let’s break down why pipe bursts, how to spot the warning signs, and the best ways to keep your property safe. 

Why Do Pipes Burst in Winter?

Winter conditions can cause water inside pipes to freeze, leading to increased pressure and potential bursts. Consequently, these bursts can result in extensive water damage to your property, ranging from structural issues to ruined belongings. Understanding the science behind pipe bursts empowers you to take preventive action. Moreover, proactive measures can significantly reduce the risk of such incidents.

Warning Signs Your Pipes Are About to Burst

Don’t wait until you’re ankle-deep in water — watch for these red flags:

Unexplained Increase in Water Bills

A sudden spike in your water bill could indicate an underlying leak, potentially leading to a burst.

Decreased Water Pressure

If your faucets, sinks, or showers are not delivering water with the usual force, it might be a sign of a compromised pipe. 

Strange Noises

Gurgling or banging sounds in your pipes can signal impending issues. 

Other Signs

If there is frost buildup on exposed pipes, damp sections of drywall, carpet, or ceilings, as well as strange smells from faucets or drains, your pipes may be on the verge of bursting.

How to Prevent Pipe Bursts

Prevention is your best defense. Here’s how to safeguard your property:

Insulate Exposed Pipes

Identify and insulate pipes in unheated areas to prevent freezing. You can insulate exposed pipes outside of your property using pipe sleeves and heat tape.

Maintain Adequate Heating

Allow your property to stay properly heated, especially in areas prone to freezing. Follow your local electricity provider for best practices in your area.

Drip Faucets

When the weather dips below freezing temperatures, allow your faucets to drip. This can relieve pressure and prevent your pipes from freezing and bursting.

Additional Tips

Follow your local guidelines to drain sprinkler systems. Store any hoses indoors and shut off water valves to outdoor faucets, leaving outside valves open. Lastly, keep any external doors and garages closed, especially if water supply lines are present.

What to Do If a Pipe Bursts

If the worst happens, act fast:

Shut Off Water Line

Promptly locate and turn off the main water supply immediately; this can help reduce the extent of damage to your property. 

Open Faucets to Reduce Pressure

If you haven’t already, turn on faucets throughout your property. This should allow any remaining water in your pipes to release, reducing the pressure on the damaged area.

Initiate Cleanup with Caution

While you can start the cleanup process, especially non-electrical hazard areas, consider professional assistance. Certified water-removal companies, recognized by organizations like the Institute of Inspection Cleaning and Restoration Certification (IICRC), can assist in reducing damage.

Partner with a Public Adjuster

Working with a public adjuster can be the key difference in the outcome of your water damage claim. Notify the Premier Claims team promptly after the damage occurs. Our team will provide guidance on how to navigate the claims process every step of the way. 

Why Partner with Premier Claims?

Dealing with insurance companies can feel like walking through a blizzard blindfolded. That’s where we come in. Premier Claims is your advocate, aiming for your claim to be fairly evaluated. 

Winter storms are unpredictable, but your response doesn’t have to be. Don’t let winter catch you off guard. Protect your property, stay informed, and know that Premier Claims is here to help you weather the storm.

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Roofing Materials Payment Schedule Endorsements Explained

Everything You Need to Know About Roofing Materials Payment Schedule Endorsements

Insurance policies are constantly evolving, and recent changes in the insurance industry—like Progressive Home’s shift toward owner-occupied homes—make it more critical than ever for property owners and contractors to stay informed about crucial policy updates. One such change involves endorsing payment schedules for roofing materials, which is becoming increasingly common in homeowners’ policies. But what exactly does this endorsement mean for property owners and contractors? And why is it crucial to understand?

What is a Roofing Materials Payment Schedule Endorsement?

A roofing materials payment schedule endorsement is an add-on to your homeowner’s insurance policy that outlines how roofing materials will be paid after storm damage. Typically, after your roof is damaged, your insurance policy will cover the cost of repairs or replacement. With this endorsement, however, the insurer may not provide a lump sum for the materials upfront—instead, payments may be broken up according to a specific schedule. Property Claims Attorneys  reports, “Instead of providing a full replacement cost for a damaged roof, this schedule adjusts the settlement amount based on the age and type of roofing material.”

This endorsement often requires homeowners to pay for roofing materials upfront and wait for reimbursement from their insurance carrier according to the policy’s terms. The schedule sets expectations for when and how payments will be made, and it could vary from one insurer to another.

Why Do Insurance Carriers Include This Endorsement?

The roofing materials payment schedule endorsement isn’t about simplifying policies—it’s about minimizing insurance carriers’ financial exposure. As storm damage claims costs rise, insurers increasingly shift financial responsibility to policyholders. This endorsement allows insurers to depreciate the cost of roof repairs or replacements based on the age of the roofing materials, meaning homeowners may receive far less than they expect.

One key aspect of this endorsement is depreciation. Insurance carriers calculate depreciation based on the age and condition of your roof. For example, if your roof is 10 years old, you might only receive reimbursement for a portion of the material’s current value, even if the materials were new when installed. This can lead to significant out-of-pocket expenses for homeowners, especially when replacing a roof, which can cost thousands of dollars.

PC360 reported, “Progressive Home will focus on ensuring owner-occupied homes and bundled business policies, increasing minimum wind and hail deductibles, mandating the roofing materials payment schedule endorsement, and ensuring its agents are aligned on underwriting quality expectations.”

Translation:

Insurance carriers are making strategic moves to limit their exposure, often at the expense of policyholders. They disguise this endorsement as a way for policyholders to get a discounted premium. But what’s the real cost? Do policyholders fully understand what they agree to when signing up for these endorsements? The reality is that many policyholders don’t know what they’re signing up for, leaving them vulnerable to unexpected costs and coverage gaps. The focus is on creating policies that prioritize long-term financial stability for insurers while leaving property owners to decipher complicated endorsements and shoulder higher out-of-pocket costs. At Premier Claims, we see this shift as a way for insurers to protect their profits while leaving policyholders in the dark.

How Can Property Owners Navigate This Endorsement?

Planning ahead is crucial if your policy includes an endorsement of the roofing materials payment schedule. Homeowners should:

Why It’s Crucial to Stay Informed

Property owners need to review their homeowner’s policy to determine whether a roofing materials payment schedule endorsement is included. By understanding your policy and working with a trusted public adjuster, you can better navigate the claims process and hopefully create a solid foundation to receive proper reimbursement. 

If you’re unsure whether your policy includes a roofing materials payment schedule endorsement or if you’re dealing with an underpaid claim, contact Premier Claims today! We’re here to help you every step of the way.

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Additional Living Expenses for Commercial Properties

Owning commercial property comes with its own set of challenges, especially when unforeseen events disrupt business operations. Additional Living Expenses (ALE) coverage, often overlooked by commercial property owners, can be a crucial aspect of recovery. Premier Claims is here to shed light on ALE coverage for commercial properties.

Understanding Additional Living Expenses (ALE) for Commercial Properties

Navigating Commercial ALE

Additional Living Expenses (ALE) for commercial properties serve a purpose similar to its residential counterpart. In the event of covered perils, such as fire, flood, or other disasters, ALE can provide financial support for temporary relocation and ongoing business operations.

Business Interruption and ALE

What your insurance carrier may not explicitly outline is the interplay between Business Interruption (BI) coverage and ALE. While ALE is designed for the physical relocation of the business, BI coverage addresses financial losses resulting from the interruption. It’s crucial to understand how these two components work together as they aim to provide comprehensive coverage for your commercial property.

Coverage Limitations

Commercial property insurance policies may not thoroughly detail the limitations of Additional Living Expenses coverage. Your insurance carrier may not expressly communicate what expenses are covered and the extent of reimbursement. It’s imperative to review your policy with a keen eye for those details or seek professional guidance to avoid potential gaps in coverage.

The Importance of Detailed Documentation

Temporary Relocation Costs

Your insurance may not stress enough the importance of documenting not only the costs associated with temporary relocation but also the impact on business operations. Detailed records of expenses such as equipment rentals, storage, and the logistical aspects of maintaining or relocating operations are crucial for a smooth claims process & recovery.

Communication Protocols

Keep your insurance carrier informed about any changes in your business’s status or unexpected expenses. Open and transparent communication can expedite the claims process and prevent potential disputes.

Seeking Professional Guidance

At Premier Claims, we understand the intricate needs of commercial property owners. Our specialized expertise goes beyond conventional insurance knowledge to address the unique challenges faced by businesses during property damage incidents. We commit to standing by your side, providing comprehensive guidance tailored to your properties and business needs, and aiming to thoroughly assess and document every aspect of your commercial ALE claim. Our goal is not only to secure the coverage you deserve but to make the claims process as seamless as possible.

For commercial property owners, Additional Living Expenses (ALE) coverage is an often overlooked but critical component of insurance. Understanding the intricacies of ALE for commercial properties empowers you to safeguard your business during challenging times. Premier Claims is your dedicated partner, offering not only guidance but also proactive advocacy to navigate the complexities of commercial ALE claims.

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How Climate Drives Insurance Rates and Property Damage

How Climate Drives Insurance Rates and Property Damage

Weathering the Unexpected

In the wake of recent storms, many property owners are realizing how unpredictable the weather—and their insurance coverage—can be. Severe weather events are becoming more frequent and more destructive, pushing property owners and insurers to the brink of financial strain. Understanding the relationship between climate risks and property insurance premiums is crucial for anyone looking to protect their property and finances best. 

The Increasing Frequency and Severity of Natural Disasters

It’s no secret natural disasters are occurring more frequently. According to the National Oceanic and Atmospheric Administration (NOAA), the U.S. experienced 18 weather-related disasters in 2022, each causing at least $1 billion in damage, tying 2022 with 2011 and 2017 for the third-highest number of such events. This continues a trend of increasing disaster frequency and severity driven by factors like higher temperatures and extreme weather events.

The Impact of Climate Risks on Property Insurance Costs

Areas prone to natural disasters, such as hurricanes, wildfires, and tornadoes, are seeing significant increases in their insurance premiums. The Insurance Information Institute (III) reports that average home insurance premiums have risen by about 7% annually since 2017. The New York Post reported, “At $11,759, Florida has the highest average home insurance in the nation. In 2023, Floridian homeowners paid an average of $10,996 for coverage.” States like Nebraska, Oklahoma, and Louisiana also experience high insurance costs due to their exposure to tornadoes and hailstorms. 

The Cost of Rebuilding is Rising

One of the primary reasons for rising insurance costs is the increasing cost of rebuilding homes after disasters. According to the National Association of Home Builders (NAHB), “Building materials prices are up 19.2% year over year and have risen 35.6% since the start of the pandemic.” This increase, paired with labor shortages, is driving up insurance premiums as insurers adjust for the higher claims payouts required for repairs. 

Credit Scores—An Overlooked Factor in Insurance Premium Rates

Beyond the risks of the climate driving insurance rates, your credit score plays a surprisingly large role in determining your insurance rates. Insurers often use credit-based insurance scores to assess the likelihood of filing a claim. Nerd Wallet found “that a person with good credit would pay $1,915 per year for homeowners insurance, on average. But in most states, someone with poor credit would see an average premium of $3,320 per year — more than 73% more.” This factor means that even if you live in a lower-risk state, a low credit score can still result in significantly higher premiums.​

Documenting Damage is Essential for Claim Success

When disaster strikes, your ability to document damage could be the difference between a fair payout and being left to shoulder repair costs on your own. Claims are often underpaid or denied due to poor documentation. Insurance carriers often seek ways to minimize payouts when evidence is lacking. Our team is here to help you set a strong foundation for your claim—starting with proper and thorough documentation. Contact our team today for claims assistance!

Push for Fair Treatment

Many property owners don’t realize that they can negotiate their insurance claims. A significant number of people who accept their insurer’s first settlement offer end up with less than the full value of their claim. This is where public adjusters come in. A public adjuster represents the policyholder—not the insurer—and can help fight for you to receive the payout you’re entitled to per your policy. They are skilled at negotiating with insurance carriers and often help policyholders recover more than they would on their own.

Planning for the Future

The rising cost of insurance and increasing frequency of natural disasters means property owners need to take a proactive approach to protecting their property. Understanding how local climate risks, insurance regulations, and economic trends impact your premiums will help you make better decisions. Consider reviewing your policy annually and consult with professionals to ensure you have adequate coverage for the specific risks in your region. 

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A Property Owner’s Guide to Preparing for Winter

Winter Prep for Property Owners

Winters are no joke for snow-prone states. With temperatures plummeting and snowstorms likely inevitable, now is the time to start winter-proofing your property. By taking proactive steps, you can save yourself from headaches and costly repairs. Whether you’re a seasoned property owner or new to the fierce winter weather, we’ve collected key tips to help prepare your property. 

1. Inspect and Repair Your Roof

Your roof is your property’s primary shield against winter storms. Any weakness— a missing shingle, loose flashing, or an unnoticed leak—can create a disaster once the snow piles up. Snow and ice build-up adds significant weight to your roof, and if there’s already damage, it increases the risk of leaks or even a roof collapse.

We Recommend:

2. Clear Your Gutters and Downspouts

Falling leaves and debris often clog gutters during the fall, which can become a serious issue during winter. Clogged gutters prevent water from draining properly, leading to ice dams—when water gets trapped and freezes, causing roof damage and leaks.

We Recommend:

3. Protect Your Pipes from Freezing

Frozen pipes are a property owner’s worst nightmare. When water inside pipes freezes, it expands, putting immense pressure on the pipes. This can cause them to burst, leading to water damage, costly repairs, and a long-term headache. The areas most vulnerable to freezing include pipes in unheated spaces like attics, basements, garages, crawl spaces, and exterior walls. With a few proactive measures, you can help keep your pipes safe and flowing smoothly throughout the winter season.

We Recommend:

4. HVAC System Checks

The last thing you want is for your heating system to fail during a deep freeze. Your heating, ventilation, and air conditioning system will be working overtime as the temperature drops. 

We Recommend:

5. Trim Overhanging Trees

Heavy snow or ice can cause weak or overhanging branches to break, which could cause damage to your roof, siding, or windows.

We Recommend:

6. Seal Windows and Doors

Energy efficiency is critical during the winter season, and even small drafts can cause your heating system to work overtime, leading to higher energy bills. Unsealed windows and doors also allow cold air and moisture to seep in, which can lead to mold growth and wood rot.

We Recommend:

7. Inspect Your Foundation and Exterior Walls

Cracks in your property’s foundation or exterior walls can let cold air and moisture seep in, leading to more severe structural problems when water freezes and expands.

We Recommend:

8. Emergency Preparedness

Review and update your emergency preparedness plan and inform all occupants of what to do during severe weather events this winter. 

We Recommend:

9. Policy Review

Before winter sets in, we recommend reviewing your property insurance policy. Coverage needs can change from year to year, so it’s important to make sure your property stays adequately protected. Our team is here to review your policy so you know of potential gaps in your coverage this winter. Submit your policy for review today!

Get Ready Before the First Snowfall

Preparing your property for winter isn’t just about staying warm—it’s about protecting your investment. By taking the time now to inspect, repair, and winterize your property, you’ll keep your property safe and hopefully prevent costly repairs down the road. Winters are tough, but your property doesn’t have to suffer. 

To get more tips on winter property maintenance and stay informed about seasonal property care, join our blog community using the form below!

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Insurance Deception Exposed: Who is Your Carrier Loyal to?

The Mask of Trust

You’ve faithfully paid your insurance premiums for years, believing that when disaster strikes, your insurance carrier will swoop in to save the day. But what if I told you your blind trust could be costing you thousands? Take the time to learn their game and overcome possible insurance deception. 

The Wolf in Sheep’s Clothing 

Your insurance agent may smile warmly and shake your hand, but beneath that friendly facade lies a stark reality: their loyalty isn’t to you— it’s to their employer. And when push comes to shove, whose interests do you think they’ll prioritize?

Let’s be real: insurance carriers are in the business of making money, not handing it out. When you file a claim, your agent’s job isn’t to maximize your payout— it’s to protect the company’s profits. Suddenly, that friendly smile doesn’t seem so reassuring, does it? 

The Power of Choice

Unlike your insurance agent, we’re not beholden to the whims of the insurance company. Our allegiance lies solely with you, the policyholder, and we are committed to fighting stop at nothing to ensure you get the compensation you deserve. 

Still Skeptical?

Imagine this: You’re facing the aftermath of a vicious storm, and you filed a claim with your insurance carrier, seeking rightful compensation for hail damage to your property’s metal roof. But instead of a swift resolution, you’re met with a daunting denial— making you question the coverage you’ve faithfully paid for.

Enter Premier Claims

With unwavering determination, we become your advocate. In the face of carrier delay tactics, we stand firm by your side, armed with collected evidence of the storm’s damage to your property. 

Through our expertise, we secured a $1.16 million settlement for a complete roof replacement. Our impact didn’t stop there, as we commonly attempt to steer the insured towards a future of coverage security by advising an upgrade to a more robust policy, further safeguarding them from future coverage denials.

This isn’t just a story we pulled out of thin air— it’s a true testament to our capabilities. Premier Claims secured this complete roof replacement for a religious center in Orlando, Florida. Imagine the possibilities for your own claim. 

Take Your Place in the Driver’s Seat

As storm clouds gather on the horizon, now is the time to take action. Don’t wait until it’s too late to protect your interests. Contact Premier Claims today, and let us be your guiding light in the darkness of insurance deception. Together, we can weather the storm and emerge stronger on the other side. 

In the face of uncertainty, one thing remains clear: the importance of having a trusted ally by your side. With Premier Claims in your corner, you can rest easy knowing your interests are protected. Don’t let the storm catch you off guard— let us lead you to victory. 

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The Role of a Public Adjuster vs. Insurance Adjuster

When disaster strikes—whether it’s a storm, fire, or water damage—one of the first steps in getting your life back on track is filing an insurance claim. But when it comes to navigating the complex world of insurance, understanding the role of a Public Adjuster versus an Insurance Carrier Adjuster can make all the difference in how much you get paid. Let’s break down the key differences so you know exactly who’s on your side.

What is an Insurance Adjuster?

Simply put, an Insurance Adjuster works for the insurance carrier. Their job is to evaluate the damage to your property and determine how much the insurance carrier should pay out on your claim.

Now, before you think, “Well, that sounds fair enough”—let’s take a moment to remember who signs their paychecks. While they’re there to assess the situation, their ultimate goal is to minimize the payout, ensuring the insurance carrier saves money. It’s like letting the fox guard the henhouse.

What is a Public Adjuster?

On the flip side, a Public Adjuster works for you, the policyholder. They’re licensed professionals who evaluate your claim, just like the insurance adjuster does, but with your best interests in mind. A Public Adjuster’s job is to fight for you to get the payout you deserve by thoroughly inspecting the damage, reviewing your insurance policy, and negotiating with the insurance carrier on your behalf.

Think of them as your advocate—a Robin Hood of sorts in the often murky insurance world.

How Does This Affect You?

Having a Public Adjuster in your corner can significantly change the outcome of your claim. While the Insurance Adjuster might tell you that your damage isn’t “severe enough” or certain repairs aren’t covered, a Public Adjuster will go through your policy with a fine-tooth comb to make sure every bit of damage is accounted for. They’ll fight for a settlement that reflects all the damages you’ve suffered, not just what the insurance carrier wants to acknowledge.

When Should You Call a Public Adjuster?

If your claim has been denied, underpaid, or you feel overwhelmed dealing with the insurance carrier, calling a Public Adjuster can be a game-changer. They’ll step in to handle the heavy lifting, freeing you up to focus on getting life back to normal.

In the majority of states, Public Adjuster’s fees are dependent on the payout of the claim by the insurance company. For example, Public Adjusters may fee off a small percentage of the settlement. Alternatively, some state contracts are drafted to include provisions for hourly fees. Each contract is drafted to accommodate the fee requirements of the state in question. In either case, Public Adjusters are motivated to obtain the largest settlement payout possible on behalf of the client. 

At the end of the day, filing an insurance claim can feel like navigating a maze, but you don’t have to do it alone. A Public Adjuster is on your side, fighting for the settlement you deserve, while the Insurance Carrier Adjuster is there to protect the insurance company’s bottom line.

If you’re looking to make sure your claim is handled fairly, it’s worth having an expert in your corner who isn’t tied to the insurance company. Premier Claims is your trusted Public Adjuster, dedicated to making the most of your claim and fighting for your right to a fair settlement.

Ready to get what you’re owed? Contact Premier Claims today, and we’ll work together to restore your property.

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